| 我国存款保险制度的保护程度研究 |
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| 引用本文： | 郑长军,周燕珊.我国存款保险制度的保护程度研究[J].江西财经大学学报,2010(1):66-71. |
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| 作者姓名： | 郑长军 周燕珊 |
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| 作者单位： | 华中科技大学,管理学院,湖北,武汉,430074 |
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| 摘 要： | 存款保险保护程度作为存款保险制度的重要设计方面,其能否有效设定直接影响到存款保险制度作用的发挥。目前学术界主要提出了四种存款保险赔付的方式,基于存款规模设定赔偿额度,基于存款期限设定赔偿范围,共同保险以及以市场为导向的存款保险。基于我国的情况,认为我国应当采用存款限额与共同保险相结合的设计方式。通过最优保护比例模型分析,我国应设定较高的存款保险保护比例。
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| 关 键 词： | 存款保险制度 保护程度 金融稳定性 道德风险 |
A Study on the Protective Coverage of Deposit Insurance System in China |
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| ZHENG Chang-jun,ZHOU Yan-shan.A Study on the Protective Coverage of Deposit Insurance System in China[J].Journal of Jiangxi University of Finance and Economics,2010(1):66-71. |
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| Authors: | ZHENG Chang-jun ZHOU Yan-shan |
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| Institution: | Huazhong University of Science and Technology/a>;Wuhan China/a>;430074 |
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| Abstract: | As the protective coverage of deposit insurance plays an important part in its design,the function of deposit insurance system is directly influenced by whether the protective coverage is properly designed.The present academic circle proposes four forms of compensation : the compensation scope based on deposit size;the compensation scope based on maturity of deposits;co-insurance and market-oriented deposit insurance.In view of the specific conditions of China,we suggest that the designing should emphasize ... |
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| Keywords: | Deposit insurance Protective coverage Financial stability Moral hazard |
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